AAA Credit & Recovery

I don't know what to do at this point because I can't pay these debts now - they have killed me with the interest and I have no way out of this.

You need to send them a debt validation letter and a cease and desist by certified mail with return receipt. This is a way of verifying that they have the account. You can contact your Attorney General office and they should be able to tell you if they are a legit company.

Chances are your payday lenders have appointed this agency. I understand your hardship in making payments. debt consolidation care has not started consolidating payday loans yet. But some of the forum members have consolidated their payday loans successfully.

You can register with this site so that members can interact with you through Private Messages. Looking forward to hearing from you.

I had spoken with this company not to long ago asking them to send to me documentation pertaining to this claim and once I had done that, they told me that I should have it and then they started to verbally attack me. When I asked who I was speaking with (woman) she wouldn't give me her name and continued to verbally harrass me and then she hung up on me - what does this say?

Sinking,

Send your request through certified letter with return receipt requested. Third party debt collectors are supposed to send you written log of your account according to fdcpa. Moreover, they are not allowed to harass you verbally. Check your state laws regarding conversation recording. Try to get the conversation recorded if they call you again. It will help you prove how they behaved with you. Check this thread for more info-

http://forums.debtcc.com/forums/recording-laws.html

After my previous post about being harrassed by AAA Credit and Recovery and the woman being rude and harrassing me, then hanging up, a couple of hours later I received another voicemail from a man at the same office. How do I handle these guys. I am figuring that she passed it onto the someone else to try different scare tactics - am I assuming right and do I need to call them back? What to do?

Hi Sinking,

You definitely need to send a cease and desist letter, as soon as possible. This should stop the calls and the harassment. In the mean time, keep a list of the dates and times of these calls, that way if they don't stop calling after receiving your cease and desist letter, you have legal grounds against them. Be sure to send your letter certified mail, with return receipt requested. If you search this site, you will find a sample cease and desist letter. Do it today, you will feel much better!

~Mary

Actually, here is the link to the great sample letters that are on this website.

http://community.debtcc.com/letters/index.html

Let us know how it goes, and keep us informed of anything else that happens.

~Mary

Thank you so much Mary!

You are welcome! Please consider registering through this free forum, so that you can also take advantage of the private messaging. We will be glad to have you here to share your experiences!!

~Mary

I would not worry about them at all. They are all out to lunch. They are nothing but a petty collection agency. They are NOT a law office like they say, they most likley sit around an old warehouse, in lawn chairs calling people on phones lol. They most likley collect for the cash store, if thats where you got your payday loans from.

They called me again yesterday and left a voicemail. It is a gentleman now calling considering the woman I phoned back verbally harrassed me on the phone and then hung up when I questioned her about sending me some sort of documentation. Can someone tell me that if a collection agency can't get anywhere "on behalf" of the company they claim to be working for - what happens next? What steps are taken next? Thanks.

Hello again, Sinking :)

Did you end up sending that cease and desist letter? Hopefully if you did, you sent it certified mail, with return receipt requested (CMRRR). If you did, they have no right to be calling you, and they are violating the law. Keep track of the dates and times of the calls, and try to get names of the people who are calling. Write down everything!

~Mary

sinking are you in canada or the us? I ask because the fdcpa is a US law and thinks may be a bit different in Canada, although I would suspect it is similar.. If sinking is in Canada... anyone know canadian law?

I am in Canada - Toronto, Ontario to be exact.
Thanks JJ, Mary and Guest for your replies. Any advice would be helpful.

P.S. Can I use the sample letter on your website or do they just pertain to the US?
Thanks.

Anyone up on canadian debt validation?, you might also try your provincial government

Could someone please let me know what type of documentation I should be requesting from this collection agency. They have called again today and just leave a phone number, file number with no name to call back and only saying that I need to resolve this matter with them right away. I need to know what to request from them in order to prove why they are calling. From the tone of this woman's voice, I have a feeling she will be nasty with me again. I am documenting everytime they call. Thanks.

Sinking,

Ask for debt validation. All third party collection agencies are supposed to send you debt validation. Inquire about their mailing address, company name and send the letter through certified mail with return receipt requested.

If you mention the name of the company, community members can help you find out the address also. Keep watching forums.

Thanks Stanley. I wish their was a site like this in Ontario to help us Canadian's out with our rights.

I two have been getting nasty calls from this Mr David threating me and that i must return there call with in 24 hr witch i did'nt and now there calling saying there fileing the court papers and I will be served with in a week and allso they are going to submit it in as fraud. I don't even know what this is about but i would like to get a hold Mr David and kick the crap out of him the way he leaves messeges. That the reason i never called them back. I gess i find out if hes filed court papers or not.

Hirollen,

i wouldn't worry about this firm - all they specialize in is harrassing and threatening people in hopes that the victims will send them money, absurb amounts in fact.

You will never hear from them again if you ask for validation.

Check out the Paul Kuperstein website on this forum and you'll learn much more about this scam office.

I have had this company call my work place for can you believe it . . . 8 months now, once a week!

I had spoken to them once and asked for validation of a debt they say I have which I have confirmed I don't. They verbally harrassed me on the phone and I basically just hung up on them and haven't answered their call since.

What can I do to get them to stop calling me. I know their number off the top of my and just avoid the call altogether. The message say "hello, this is not a marketing call. Despite every effort to contact you we have been unable to speak with. It is urgent that you call us back at ****** and refer to case number ******." AND THAT'S IT! No information whatsoever. It doesn't bother much that they keep calling, I just don't pick up but it would be nicer if they didn't.

Can someone tell me (as this company is calling me) whether or not they are correct when they say that a Wage Garnishment is basically now considered court approved to garnish wages. Last I thought and was told, to garnish wages you had to have a court order. I told AAA Credit this which of course the conversation ended quite abruptly.
Any input out there on this?
Thanks.

Can someone tell me (as this company is calling me) whether or not they are correct when they say that a Wage Garnishment is basically now considered court approved to garnish wages. Last I thought and was told, to garnish wages you had to have a court order. I told AAA Credit this which of course the conversation ended quite abruptly.
Any input out there on this?
Thanks.

Have any of you tried calling and speaking with the president directly? I have and he cleared the whole thing up for me, I now get no further calls.

Just a few words of advice,the calls will not stop until your matter is dealt with.Best to offer a settlement on outstanding debts if you don't care about your credit rating.If you do care it is best to make payment arrangements.If the account is for some kind of cash advance place you need to check your contract because most of them state that they will garnish you wage if payment arrangement not honored.AAA Credit and Recovery Services are a legal licensed collection company and I have been fortunate to deal with a women there who is there from 8am to 5pm..Not all collection officers are mean and nasty.My account was serviced and she is always there for me to speak to and she helps me with any questions that I have.So it is best to talk to them.She explained to me that the reason they do not leave more information on voice mail is it is a privacy issue and they do not want others to know about your business.So I say Thank You to my rep at AAA.And one more thing before I go and that is if you owe someone money why do you continue to complain about the company instead of paying your bills? Just a question.

Guest is correct when they stated that in order to garnish somebody's wages it must go through court to get a judgement and then proceed to garnish a person's paycheck. As for pdls who have a voluntary wage garnishment claus (not all do, but some do, some internet pdls that is), once a person revokes the voluntary wage assignment, then the pdl IS NOT PERMITTED to garnish the person's paycheck, and besides majority of employers will not honor it to begin with unless there IS A COURT ORDER. So a CA must get a court order to garnish, unless it is for child support, taxes, or other federal debt such as a student loan, in those cases no notification is necessary nor is a court order necessary.

You are absolutely 100% correct correct STEELERS1. No company will honor a wage assignment/garnish unless they are served with a court order to do so. So companies who threaten people with I am going to send in the wage assignment to your company can do so all they like. Fact of the matter is, they will not get their money unless a court order has been filed - plain and simple.

collection agencies more so than not, do not go to court as the courts will favor the latter as they usually are seeking more than what you owe and the courts would sooner see these places out of business anyway.

Ask them to send you a statement of what you owe. Have it sent to a P.O. Box.

Welcome to forums, vetrno!!!